Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$356,326Cash toward the purchase price.
Closing costs + prepaids$10,498Not just lender fees.
Before credits & paid funds$366,823The complete starting cash picture.
Estimated remaining funds due at closing
$366,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,325.68
Your down payment$356,325.68
Closing costs + prepaids$10,497.73
Total buyer cash needed$366,823.41
Remaining funds due$366,823.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$520.25
Prepaid interest, first (26 days)$62.48
Fees + prepaids$10,497.73
Your down payment is the seller’s equity. You take over the $12,674 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $366,823.41 is due at closing. Uses and sources reconcile at $379,497.73 each. Not a Closing Disclosure.